topic Re: What will Citibank do in Credit Cards

What will Citibank do

Anonymous — Sun, 28 Jun 2020 01:34:05 GMT

So I was SP CLI declined recently because I've reached max exp (DC 27950K). Now if I'm approved for another card will Citi take limits from my DC?

Re: What will Citibank do

Gmood1 — Sun, 28 Jun 2020 01:39:40 GMT

There's a very good chance they will not. Mainly depends on the card.

I've only been asked to do it once.

I was able to grab several more without affecting my other Citi CLs.

Re: What will Citibank do

wasCB14 — Sun, 28 Jun 2020 01:43:19 GMT

@Anonymous wrote:
So I was SP CLI declined recently because I've reached max exp (DC 27950K). Now if I'm approved for another card will Citi take limits from my DC?

I assume you mean $27,950 or $27.95k. Not many here can advise on CLs of nearly $28 million.

The search tool shows a $30k Prestige and $46k AA card. Not sure if DC is really stuck at a $27,950 maximum...unless it's relative to income or history.

Re: What will Citibank do

UpperNwGuy — Sun, 28 Jun 2020 02:28:47 GMT

I had a $40,000 American Airlines credit card from Citibank from 1990 until 2014. The card started at $10,000, and Citibank regularly increased the credit limit without my ever requesting an increase. Has Citibank become more conservative in their credit limits since I left them?

Re: What will Citibank do

Gmood1 — Sun, 28 Jun 2020 03:02:47 GMT

@UpperNwGuy

I wouldn't say more conservative. They have so many CC's to offer. Between in house and cobranded.

They don't want all your exposure on one card.

Re: What will Citibank do

ChargedUp — Sun, 28 Jun 2020 04:35:13 GMT

Well.... Back in the good 'ole days, Citi let some fun happen.

Citi CLI Glitch

Re: What will Citibank do

Anonymous — Sun, 28 Jun 2020 12:04:26 GMT

@Gmood1 wrote:
There's a very good chance they will not. Mainly depends on the card.
I've only been asked to do it once.

I was able to grab several more without affecting my other Citi CLs.

@Gmood1 not to side trip this thread my computer cannot almost show all of your cards?! YIKES! Also, your showing your age with that Citi Dividend Card

Re: What will Citibank do

Anonymous — Sun, 28 Jun 2020 12:12:17 GMT

A few years back I found Citi Bank would let me open a card with a $500 limit and then move part of a CL from another card. The last time I did it was May 2015 so times change. Also, it seems to me the card/lenders change their guidelines so often it is hard to get good reliable Data Points anymore. Since November 2014 Citi won't even consider me for a CLI and I asked a CSR about it ... she said I likely hit the "internal risk limit" which I tested a coupe of weeks ago and again received the ole CLI denial.